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Why does it say the option is not available when enabling a card reader?

If you're being told that the option isn't available when trying to enable a card-reader, it usually means a card-reader hasn't been ordered for the Online Banking service you're logged into.

You will need to order a card-reader then wait 2 working days before trying to enable the card-reader you have.

Alternatively you may be eligible to use your biometrics on your mobile app.